So we make about $100,000 combined, I make just shy of 70K and she makes about 30K.

Both states have programs for first time homebuyers, but our incomes together prohibit us from qualifying, whereas separately we both qualify.

Would it be considered fraud if I were to apply for one as myself, get the house in my name, but we both pay on it? I can't find anything on either page about it, but obviously we are not legally married.

Hi Tildeans,

Today I accepted an offer in New Jersey situated in New Brunswick. My partner and I will be moving out there likely late July/early August. We will be bringing two dogs, one cat, and one snake with us. For those that live around the area, is there anything I should know about finding places to rent (e.g. places to avoid)? We are willing to be a little bit away from New Brunswick, but I would like to have easy access to the rail line that goes through the city so I can commute in without the use of a car.

Also, what are some recommendations for places to check out when we get there? We have pretty broad tastes when it comes to art, food, outdoor activities, and all of that. Lastly, if there is anything else you think I should know about the broader East coast area please feel free to share!

So I'm looking to get out of apartment living in the next couple of years, so I browse housing listings semi-frequently just to get an idea of what's out there and what I can expect cost wise.

My boss made an offhand comment about buying a lot and getting a prefab installed on it, so I started looking into it, but I came back with a lot of questions.

1. Home builders seem to have preset floor plans. Every time I try and find a prefab house, all I can find are blueprints for purchase. Do you find a plan you like and then find someone to build it?

2. Home builders I find all build giant houses. I always see comments online about how "Builders can't build affordable homes because of red tape," but I don't understand how that means they can only build 5B/3Ba houses. I cannot find anyone that has preset plans for a 2B house.

3. How much about getting a lot "ready" would be up to me vs a builder? Is that gonna depend on the builder and what they offer? Is that all done out of pocket, or would that be included in the construction loan?

For reference, I'm in Atlanta, though I imagine a lot of these answers will be "It depends on the builder."

I posted previously about looking for a house for my disabled partner and myself and after several stressful months we're closing on April 30th!

So, now what? I'm working on home insurance quotes, I have the money arranged for closing. We're in the "these issues need addressed" phase of the contract process (there are no smoke detectors in this house wtf) and the home inspection raised no dealbreakers. No radon or termites.

So what don't I know about? What new homeowner things do I need to be thinking about now? We plan to move in the latter half of May. Accessibility suggestions are also useful, we're going to have to add a small ramp inside (one step), move a cabinet in the kitchen and replace carpet in the master bedroom.

Thanks for all the advice last time, please give me more of it?

The latest iteration of a study regarding the cost of student housing in Germany found, that rent prices for students have risen to a germany-wide average of 479€. Three years ago the average was just 391€. In Munich the average cost for student housing has risen to no less than 760€. This is more than double than the housing-cost covered by BAföG, a public program providing financial support to students from low-income families. [1]

Statistically, more than a third of students in Germany are at risk of poverty at the moment, meaning they have less than 60% of the country's mean income available. [2] [3]

Also with regards to Munich specifically, the number of designated student housing facilities has not grown significantly or even dropped over the past few years, while the number of students has been steadily increasing. This means that more and more students have to look for rooms in shared apartments on the city's highly competitive housing market. Statistically, these students are those that live close to the poverty line particularly often.

I realize that the cost of high-quality higher education in Germany is not as majorly fucked as for example in the USA, but still the financial burden on students is steadily increasing due to housing cost. How does this compare to where you're from? How is student housing organized in your city, how much does it cost relative to the mean income, and do you experience similar trends in your region?

Sources (german), besides in-person conversations and experiences:
[1] https://cms.moses-mendelssohn-institut.de/uploads/24_03_19_Wohnkosten_Studierende_804a7b53ef.pdf
[2] https://www.spiegel.de/start/statistisches-bundesamt-mehr-als-ein-drittel-der-studierenden-lebt-unter-der-armutsgrenze-a-460cb19f-8a62-43ab-8b52-652814234250
[3] https://youtu.be/UVaY8SCtjwg

I'm starting the process of looking to buy a house. My partner uses a power wheelchair and anything we buy is going to need to be accessible or modifiable. So I know we're looking for a ranch, probably 3/2 at most is what will be affordable but I'm finalizing my pre-approval now.

That said... I'm almost 40 and I've never bought a house before. What are some things I need to know when looking at a house? I have a realtor and we're looking at our first place tomorrow. I'm bringing a measuring tape because the accessibility will matter.
But I don't even know where to start and what the normal questions are!

Just coming back into the rental market after owning a home for a short time. I found a place that would be great. Then, I got the lease.

This thing is a nightmare. Here are a few of the greatest hits:

• The lease lists my rent and then says they can charge "additional rent" which is "all added charges, costs, and fees for the duration of this lease." So, sounds like they can just make up a number and add it to the rent and I have to pay it?
• The landlord will make a "good faith effort" to make the apartment available to me when my lease starts. Shouldn't the landlord actually do that, not just make any sort of "effort" to do it, "good faith" or otherwise?
• If the unit is damaged such that I cannot live there while repairs are being made, the landlord "may" issue me a credit for the days I can't live there. What criteria will the landlord use? If they decide not to, that means I'll be paying rent for an apartment I cannot occupy?

This is a short lease — I've seen much longer in my time renting — but even so, I could come up with a dozen more examples like this. What is going on here? I've read the law in the area, and I suspect some of the clauses in here are actually unenforceable. For example, the lease allows for automatic rent increases at lease renewal without notification while the law requires 60 days notification, and it requires me to notify 14 days after notification of a rent increase if I do not accept where the law says I have 30 days to do so.

But how did we get here? I just want to pay a specified amount every month in order to be able to live in a space someone else owns. This should be relatively simple, but it's turned into this weird whack-a-mole game where every lease is a document of all that landlord's past tenant grievances they are trying to now avoid in the future, along with any other unreasonable terms they think they can get away with. Regardless of what the law is, the lease can say anything. If I read it and decline to sign, the next person will probably just sign it and hope for the best.

For those of you who are renting, how do you deal with this sort of stuff? Are there reasonable landlords still out there? Is the right way to buy a home just to escape from unreasonable lease terms, even if you don't really want to own?

Update: Possibly important context- This property is in Philadelphia, Pennsylvania.

We are renting a condo in an area that's experiencing tremendous rent and home price increases, so much so that if we refuse to renew our increased lease, we'd be looking at spending 2-3x on rent for a similar property. This is, somewhat conveniently, almost exactly what the total cost of monthly expenses would be if we purchased the unit at its estimated cost when comparing to similar units in the complex that recently sold. We also really like the location and would rather eat an increase in rent here than relocate in our city, which complicates things a little further.

My wife and I have floated the idea of approaching our property manager and asking if the owner has any willingness to sell, but we are also trying to imagine possible consequences of starting that conversation -- in particular, should they opt to sell but not to us. There are also some things that we'd like to update in our unit that would fall under the landlord's obligation while we are renting (plumbing issues, windows and blinds need repairs, etc.), so we're trying to gauge if we should even have this conversation before we request repairs.

We've thought about a few different options, and I'd be interested to hear from others who have tried anything similar.

1. Just ask to buy it and see what happens.

   • Pro: skirt all the bullshit and just get to the meat of the issue, which is that we want to buy the property.
   • Con: They check the price, decide to sell to someone else and we're back in "rent the same for more but in a worse location" territory. If they decide to sell to us, they might resist performing repairs because they'll just offload it to us eventually.

2. Wait for repairs to be done, then ask.

   • Pro: get our unit fixed, improve QOL immediately.
   • Con: They might be less likely to sell to us if they think we were trying to get stuff fixed so we didn't have to fix it after buying.

3. Offer some kind of plan to cost-share improvements or fixes in exchange for rent adjustments within the initial approach about buying.

   • Pro: Get improvements/fixes to the house quickly, reduce rent expenses regardless of if we are able to buy or not.
   • Con: They essentially get to subsidize improvements to their unit for long-term gain while we only get short-term benefits.